11178139

Secure Computer-Implemented Authentication

PublishedNovember 16, 2021
Assigneenot available in USPTO data we have
Technical Abstract

Patent Claims
20 claims

Legal claims defining the scope of protection, as filed with the USPTO.

1

1. A computer-implemented method comprising: receiving, by a server, an authentication request for a financial service from a graphical user interface on a first computing device; generating, by the server, a first media element and random numbers associated with the authentication request configured for display on a webpage via a web browser executing on the first computing device; generating, by the server, authentication instructions based on the financial service for the first computing device; generating, by the server, an instruction to display the first media element, the random numbers, and the authentication instructions for the financial service on the graphical user interface; transmitting, by the server, the instruction to a virtual assistant server, whereby the virtual assistant server uses the instruction to cause a display, within a chat session with a virtual assistant on the graphical user interface, of A) the first media element, B) the random numbers, and C) the authentication instructions for the financial service; receiving, by the server, a second media element from a second computing device, wherein the second media element is an image of the webpage containing the first media element and the random numbers displayed on the webpage; upon determining that the first and second media elements and the random numbers have a positive match: retrieving, by the server, an identification value associated with the second computing device; upon the identification value matching a data record within a database, determining, by the server, a financial account associated with the second computing device; and authenticating, by the server, the first computing device by granting the first computing device access to the financial account associated with the second computing device.

2

2. The method of claim 1 , wherein the first media element is a QR Code.

3

3. The method of claim 1 , wherein displaying, by the server, the first media element on the graphical user interface is a watermark and undetectable to a naked eye.

4

4. The method of claim 1 , wherein the second media element is received, by the server, via a text messaging application executing on the second computing device.

5

5. The method of claim 1 , wherein the second computing device is a mobile device.

6

6. The method of claim 1 , wherein the second media element is received, by the server, from an application installed on the second computing device.

7

7. The method of claim 1 , wherein the first media element is a randomly generated number.

8

8. The method of claim 1 , wherein the graphical user interface is a chatbot.

9

9. The method of claim 1 , wherein the identification value associated with the second computing device is a unique identifier associated with the second computing device.

10

10. A computer system comprising: a server, comprising at least one processor and at least one memory, in communication with a first computing device and a second computing device, wherein the first computing device is configured to receive an authentication request for a financial service from a user; wherein the second computing device is configured to capture and transmit images; and wherein the server: receives an authentication request for the financial service from a graphical user interface on the first computing device; generates a first media element and random numbers associated with the authentication request, the first media element being configured for display on a webpage via a web browser application executing on the first computing device; generates authentication instructions based on the financial service for the first computing device; generates an instruction to display the first media element, the random numbers, and the authentication instructions for the financial service on the graphical user interface; transmits the instruction to a virtual assistant server, whereby the virtual assistant server uses the instruction to cause a display, within a chat session with a virtual assistant on the graphical user interface, of A) the first media element, B) the random numbers, and C) the authentication instructions for the financial service; receives a second media element from the second computing device, wherein the second media element is an image of the webpage containing the first media element and the random numbers displayed on the webpage; upon determining that the first and second media elements and the random numbers have a positive match: retrieves an identification value associated with the second computing device; upon the identification value matching a data record within a database, determines a financial account associated with the second computing device; and authenticates the first computing device by granting the first computing device access to the financial account associated with the second computing device.

11

11. The computer system of claim 10 , wherein displaying, by the server, the first media element on the graphical user interface is a watermark and undetectable to a naked eye.

12

12. The computer system of claim 10 , wherein the second media element is received, by the server, via a text messaging application executing on the second computing device.

13

13. The computer system of claim 10 , wherein the second media element is received, by the server, from an application installed on the second computing device.

14

14. The computer system of claim 10 , wherein the first media element is a randomly generated number.

15

15. The computer system of claim 10 , wherein the graphical user interface is a chatbot.

16

16. The computer system of claim 10 , wherein the identification value associated with the second computing device is a unique identifier associated with the second computing device.

17

17. A non-transitory machine-readable storage medium having machine executable instructions stored thereon that, when executed by one or more processors, direct the one or more processors to perform a method comprising: receiving, by a server, an authentication request for a financial service from a graphical user interface displaying on a first computing device, whereby the graphical user interface is generated by a virtual assistant server and comprises a plurality of data fields configured to receive data from a user operating a first computing device; generating, by the server, a first encrypted media element and random numbers associated with the authentication request; generating, by the server, authentication instructions based on the financial service for the first computing device; generating, by the server, an instruction to display the first encrypted media element, the random numbers, and the authentication instructions for the financial service on the graphical user interface; transmitting, by the server, the instruction to the virtual assistant server, whereby the virtual assistant server uses the instruction to cause a display, within a chat session with a virtual assistant on the graphical user interface, of A) the first encrypted media element, B) the random numbers, and C) the authentication instructions for the financial service on the graphical user interface; storing, by the server, the first encrypted media element in a database, wherein the database is configured to store a plurality of data records associated with account data of a plurality of users, media elements, and computing device identifiers; receiving, by the server, a second media element from a second computing device, wherein the second media element is an image of the webpage containing the first media element and the random numbers displayed by the virtual assistant server; querying, by the server, the database to retrieve the first encrypted media element; when the first encrypted media element, the random numbers, and the second media element have a positive match, querying, by the server, an identification value associated with the second computing device; receiving, by the server, the identification value associated with the second computing device; querying, by the server, the database to retrieve a data record associated with the identification value associated with the second computing device; upon the identification value matching a data record within a database, determining a financial account associated with the matching data record within the database; generating, by the server, a second instruction authenticating the first computing device by granting the first computing device access to the financial account associated with the second computing device; and transmitting, by the server, the second instruction to the virtual assistant server, whereby the virtual assistant server displays a message confirming the authentication.

18

18. The non-transitory machine-readable storage medium of claim 17 , wherein the graphical user interface displayed by the virtual assistant server is a chatbot application.

19

19. The non-transitory machine-readable storage medium of claim 17 , wherein the authentication instructions include instructions to access a mobile application, select a menu, and select the first encrypted media element.

20

20. The non-transitory machine-readable storage medium of claim 17 , wherein the first encrypted media element is uniquely generated for the financial service.

Patent Metadata

Filing Date

Unknown

Publication Date

November 16, 2021

Inventors

Darrius JONES
Gualberto CAMACHO
Hoang Trung VO
Huihui WU
Alejandra VALLES

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